Loans go unpaid
Money set aside for repayments is diverted to treatment. A health shock turns a performing loan into an arrears case.
And you decide how they earn it.
Your members don't buy this cover — they qualify for it. You choose what unlocks it: a savings balance, a loan in good standing, an active membership — whatever behaviour you most want to grow. Members do more of it to keep their families protected, the benefit goes to market under your name, and Padre Pio and the insurer carry the operational load.
For a low-income member, a medical emergency becomes a financial emergency — and your institution absorbs the consequences.
Money set aside for repayments is diverted to treatment. A health shock turns a performing loan into an arrears case.
Members withdraw the balances they spent years building — undoing your deposit growth in a single week.
Financially stressed clients disengage and leave. Churn costs you the relationship and everything you would have cross-sold into it.
Today, most of your members have no structured, affordable medical safety net. That gap is not just their exposure — it is yours.
No sales conversation, no forms, no new counter. The relationship your members already have with you becomes the product.
Choose what qualifies a member: a savings balance, a loan in good standing, an active membership — whatever you want to reward.
Everyone who meets your rule by the monthly cut-off is enrolled straight from your own records, and covered for the following month.
Members present their account number and National ID at any hospital in the network. No card, no claim form.
Eligibility checks, hospital locator and claims all run through the portal and USSD. No paperwork.
Cover is banded. Where a member sits depends on the measure you choose — and moving up a band lifts the limits and widens the benefits. That gives every member a concrete reason to go further with you.
Nobody is sold a policy. A member simply moves between bands as their standing with you rises or falls.
The qualifying measure, the bands, the thresholds, the benefit limits and the covered conditions are all set for your institution and confirmed by the underwriter — not taken off a shelf.
The pilot generates real claims data on your members, and the structure is tuned to it before a full rollout.
One possible shape, using a savings balance as the qualifying measure. Another institution might use a loan in good standing, length of membership or account activity instead. These are not final terms, not a quote, and not the bands your members would receive.
| Example band | Example savings balance | What cover at this band could include |
|---|---|---|
| Entry | UGX 100,000 – 500,000 | Accidental death, disability and hospitalisation. Accidents only — treatment for everyday illness would not yet be included at this band. |
| Middle | UGX 500,001 – 1,000,000 | The accident benefits above, plus in and out-patient treatment for a defined list of common conditions. |
| Top | Above UGX 1,000,000 | The same benefits, at roughly double the limits across both accident and treatment cover. |
In this illustration the common conditions are malaria, typhoid, diarrhoea, urinary tract infections and upper respiratory tract infections. The qualifying measure, band names, thresholds, limits and the condition list are all set during design with your institution and the underwriter.
Every benefit your members receive loops back into something your board already measures.
Members stay where their family is protected. A benefit they cannot get from a competitor is the strongest reason to keep the account open.
Lower churn → stable, compounding growthAs the introducing partner you earn a competitive commission on premiums — a recurring stream that funds the service rather than costing you to run it.
New revenue → and a platform to cross-sell fromAttach the cover to savings and deposits grow. Attach it to repayment and arrears fall. Attach it to membership and churn slows. Members do more of whatever keeps their family protected.
One product → the behaviour you need mostYou extend healthcare access to the bottom of the pyramid — addressing SDG 3 and giving regulators, investors and funders something concrete to point at.
Social impact → evidenced, not assertedThree parties, clearly separated. Your side of the work is the part you are already good at.
You promote the benefit to members, manage automatic enrolment through your core system, and support your members at the branch.
Strategic partnerWe design the product, run the platform, train your staff, resolve issues between parties and hold the ecosystem together.
Product ownerThe insurer underwrites the cover, manages the hospital network, operates the call centre and pays the claims.
Risk carrierAgree terms, the pilot group and the launch timeline.
Connect your core banking system to the Padre Pio platform for automatic enrolment.
We train your branch teams on the benefit and how to talk about it.
A campaign that tells members what they have earned and how to use it.
Cover switches on, and the data starts coming back.
Start with a pilot. A six-month validation phase with an initial group of members generates the performance data that shapes the product before a phased rollout across all your branches.
A short conversation is enough to size the opportunity for your institution — what it would cover, what it would earn, and how quickly it could launch.